These cards are ideal for financing a large purchase or paying down existing debt without accruing new interest for nearly two years. What's A Good APR For A Credit Card? | Bankrate
Report: Best Low Interest Credit Cards for 2026 The credit card market in early 2026 offers two primary paths for minimizing interest: , which can last up to 21–24 months, and low ongoing regular APRs , which typically start around 13% to 18% for those with excellent credit. While the average credit card APR is currently approximately 27.5%, highly qualified borrowers can secure significantly lower rates. Best Credit Cards for Lengthy 0% Intro Periods credit cards with low interest rates